Is $20 per paycheck enough for Additional Withholdings on my W-4 for federal and state taxes?

The "right" amount for additional withholding really depends on your specific situation, but I can give you some general guidance! For a married person with one income, the W-4 now has you check the box in Step 2(c) if your spouse also works. Since your spouse doesn't work, you shouldn't need to check this box. This actually works in your favor tax-wise. The $20 additional withholding ($10 federal/$10 state) might be more than you need. Since you're the only income earner and you're working 30 hours at a fast food job, the standard withholding is probably already close to correct. You might want to start with a smaller amount like $5 federal and see how your first few paychecks look. The best approach is to use the IRS Tax Withholding Estimator on the IRS website. You input your expected annual income and current withholding, and it will tell you if you need to adjust your withholding to avoid owing taxes or to get your desired refund amount.

After struggling with my withholding amounts for years and constantly getting surprise tax bills, I finally found something that helped me get it right. I stumbled across this AI tax tool called taxr.ai that helped me figure out the perfect withholding amount based on my specific situation. You just upload your previous tax docs or enter your info, and it analyzes everything to determine the optimal withholding amount for your specific circumstances. It even accounts for things like being married with one income, which is exactly your situation! I used it after starting a new job last year and ended up with a small refund instead of owing for the first time in forever. Check it out at https://taxr.ai if you want a more precise number than just guessing.

Just wanted to update everyone! I tried that taxr.ai site that was mentioned here and it was actually really helpful for my situation. I'm also starting a new job this month and was totally confused about withholdings. The tool recommended I add $7 for federal and $4 for state based on my expected annual income and filing status. Way easier than trying to figure it out myself! I liked that it explained WHY it was recommending those specific amounts too. The numbers were different than what I would have guessed, but the explanation made sense. Definitely worth checking out if you're as confused about this stuff as I was!

If you're having trouble getting specific help with your withholding questions, you might want to try calling the IRS directly. I know, sounds painful right? After trying for weeks to get through to ask about my withholding for my new 1099 contract work (kept getting disconnected or waiting for hours), I found this service called Claimyr that got me connected to an actual IRS agent in under 20 minutes. You can see how it works at https://youtu.be/_kiP6q8DX5c - basically they use some tech to hold your place in line and call you when an agent is ready. I used their service at https://claimyr.com and actually got real answers about my withholding questions from an actual IRS person. They explained exactly what I needed for my situation which was super helpful.

Well I have to admit I was wrong about Claimyr. After another failed attempt spending my entire lunch break on hold with the IRS yesterday, I decided to try it out of desperation. Got connected to an IRS agent in about 15 minutes who answered my withholding questions completely. The agent confirmed that for married filing jointly with only one income, I should NOT check the box in Step 2(c) and that adding a small additional withholding of $5-10 federal is smart if I want a small refund. Ended up being really helpful and saved me hours of frustration. Pretty amazing service actually.

For what it's worth, I think $20 additional withholding is probably too much for your situation. I'm also married, one income, working about 35 hours weekly at retail, and I put $5 extra on federal. That's been giving me around a $800 refund each year which feels about right to me. Remember your refund is just money you overpaid throughout the year - it's basically giving the government an interest-free loan. So don't go too crazy with additional withholding unless you're really worried about owing.

Has anyone used TurboTax's W-4 calculator? My sister said she used it last year and it was pretty accurate for figuring out her withholding after she started her new job.

Based on your situation as a married person with one working spouse at 30 hours/week, $20 total additional withholding is likely more than you need. I'd suggest starting with just $5 federal and maybe $3 state to be safe. The key thing for your W-4: since your spouse doesn't work, you should NOT check the box in Step 2(c) - that's only for when both spouses work. This actually helps your withholding accuracy. Here's what I'd recommend: Start conservative with small additional amounts, then check your first few paystubs to see how the withholding looks. You can always submit a new W-4 to increase it if needed. It's much easier to adjust upward than to try to get back money you've overwithhelded. Also keep in mind that at 30 hours/week in fast food, your annual income will likely be on the lower side where standard withholding tables are pretty accurate already. The additional withholding might just result in a bigger refund than necessary - essentially an interest-free loan to the government.

I work in tax preparation and see this situation all the time with new workers! For someone in your position - married with one working spouse at 30 hours/week - $20 additional withholding is definitely overkill. Here's what I typically recommend: Start with $3-5 additional federal withholding and maybe $2-3 for state. That should give you a small cushion without tying up too much of your money throughout the year. Since you're new to this, a few key points: - Don't check Step 2(c) on your W-4 since your spouse doesn't work - The standard withholding tables are actually pretty accurate for lower income situations like yours - You can always file a new W-4 with HR if you need to adjust after seeing a few paychecks Remember, a huge refund isn't necessarily a good thing - it means you gave the government an interest-free loan all year. Better to keep that money in your pocket and maybe put it in a savings account where it can at least earn a little interest. Start conservative and adjust as needed. You've got this!